Payload an issue?

Hello all,

This is my first post ~ your help would be greatly appreciated. My tow vehicle is a 2006 Ram 2500 5.9 diesel Megacab 2WD SLT. Specs say my max trail is 12,900 and max tow vehicle payload is 2,040.

We are set to purchase a 2015 Jayco 32TSBH, weight completed at factory w full propane tanks: 8,440

From reading the forums I have gathered that, to establish my payload I need to add the estimated hitch weight of the trailer + everyone + everything that I put in the truck during tow.

Here's what I came up with:

8,440 dry + 1000 lbs in trailer = 9500 lb trailer when loaded
Estimated hitch weight = .15 x 9500
Estimated hitch weight = 1,425

Weight of my family of six = 645 lb (myself, wife, children ages 11, 7, 4, and 2)

If I've figured this correctly my payload with just the estimated tongue/hitch weight and my family is 1,425 + 645 = 2,070

That means the payload of the truck will be exceeded by 30 lbs !!!!??? and I havn't even accounted for anything else I want to put in the truck besides my family (and the kids have plenty of growth yet).

Does this mean I need to get a 3500 to do this (payload of the 2006 3500 is an additional 800 lbs over the 2500).

Thanks in advance for your advice!